ChallengerCFIGY 59 EBITDA Margin % is 75.99% as of Dec. 2025, which is 106% above its 10-year median of 36.81. GuruFocus rates CFIGY with a GF Score™ of 59/100 and a GF Value™ of $18.80. The stock has 8 warning signs investors should review. Among 371 Insurance companies, Challenger ranks better than 94.07% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Challenger's EBITDA for the
six
months ended in Dec. 2025 was $479 Mil. Challenger's Revenue for the
six
months ended in Dec. 2025 was $631 Mil. Therefore, Challenger's EBITDA margin for the quarter that ended in Dec. 2025 was 75.99%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Challenger EBITDA Margin % Related Terms
Challenger EBITDA Margin % Historical Data
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The historical data trend for Challenger's EBITDA Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CFIGY vs AFL, MET, PRU: EBITDA Margin % Comparison
For the Insurance - Life subindustry, Challenger's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Challenger EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Challenger's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Challenger's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Challenger (CFIGY) has a EBITDA Margin % of 75.99% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Challenger and its competitors. This is 106% above median its historical median of 36.81. According to the industry distribution chart, Challenger ranks #22 out of 371 companies in the Insurance industry, placing it in the top 5.9%.
Is Challenger's EBITDA Margin % too high?
Challenger's current EBITDA Margin % of 75.99% is 106% above median its 10-year median of 36.81. The Insurance industry median EBITDA Margin % is 14.91. Challenger's value of 75.99% is 409.7% above this industry median. Based on the distribution chart, Challenger ranks #22 out of 371 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Challenger has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Challenger's EBITDA Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Challenger ranks #22 out of 371 companies for EBITDA Margin %. This places Challenger in the top 6% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 14.91. Challenger's value of 75.99% is 409.7% above this benchmark. While the company's 10-year median is 36.81 vs. the industry median of 14.91, Challenger has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.91, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Challenger's current EBITDA Margin % of 75.99% is 409.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Challenger and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Challenger's current EBITDA Margin % is 75.99%, which is 106% above median its own 10-year median of 36.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Challenger stock overvalued right now?
Challenger (CFIGY) has a current EBITDA Margin % of 75.99%. The stock's GF Value™ is $18.80, compared to a current price of $43.70 — trading 132.4% above its estimated fair value. The current EBITDA Margin % is 75.99%, which is 106% above median its 10-year median of 36.81 and 409.7% above the Insurance industry median of 14.91. Challenger's overall GF Score™ is 59/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Challenger (CFIGY), the current EBITDA Margin % is 75.99% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Challenger (CFIGY) Overvalued in 2026?
Based on GuruFocus' analysis, Challenger stock appears to be overvalued.
The current stock price of $43.70 is trading 132.4% above its estimated GF Value™ of $18.80.
Key valuation signals for CFIGY:
EBITDA Margin %: 75.99% (106% above median its 10-year median of 36.81)
GF Value™: $18.80 vs. price of $43.70 (132.4% above fair value)
Industry Position: 409.7% above the Insurance median (#22 of 371)
No single metric tells the full story. See the CFIGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Challenger's core business is selling annuity products in the Australian retirement market and, since November 2016, selling Australian dollar-denominated annuities into Japan's large retirement market. The firm's annuity products provide investors guaranteed regular payments over an agreed term for an upfront lump sum investment and is designed primarily to protect investors from the longevity risk of outliving their savings. Challenger also operates a funds management business, Fidante Partners, which has minority stakes in several boutique global investment managers, and Challenger Investment Management, which primarily manages investments supporting its annuities business.
59GF Score
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